Terms of Service

Effective Date: October 15, 2026

Company: Savard Qtrade Inc.

Address: 3573 Wolfedale Road, Mississauga, Ontario L5C 3T6

Registration: OSC Registration No. PM-2009-4471 · CIRO Member ID: SQ-88294

1. Definitions

1.1 "Company," "we," "our" refers to Savard Qtrade Inc., a portfolio management firm registered with the Ontario Securities Commission (OSC Registration No. PM-2009-4471) and a member of the Canadian Investment Regulatory Organization (CIRO), Member ID: SQ-88294.

1.2 "Website" refers to savardqtrade.com and all associated pages, subdomains, and digital properties operated by the Company.

1.3 "User," "you" refers to any individual, entity, or authorized representative accessing or using the Website.

1.4 "Services" refers to the investment management, direct investing advisory, portfolio construction, Fee Autopsy diagnostics, Builder's Blueprint education, tax-efficient structuring, and related financial services described on this Website.

1.5 "Content" refers to all text, data, graphics, illustrations, case studies, fee comparisons, educational materials, and any other materials published on this Website.

2. Acceptance of Terms

2.1 By accessing this Website, you acknowledge and agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations governing securities and investment advisory services in the Province of Ontario and the Dominion of Canada.

2.2 If you do not agree to these Terms in their entirety, you must discontinue use of this Website immediately.

2.3 These Terms constitute a legally binding agreement between you and Savard Qtrade Inc. as of the date of your first access to the Website.

3. Services Description

3.1 The Company provides direct investing advisory services to qualified clients, including but not limited to: direct equity portfolio construction, direct fixed-income ladder design, corporate surplus deployment strategy, tax-efficient portfolio structuring, fee autopsy and portfolio transition, intergenerational wealth transfer planning, owner retirement income architecture, real-time portfolio dashboard and reporting, client education (Builder's Blueprint), and next-generation financial stewardship.

3.2 All Services described on this Website are subject to the execution of a formal Investment Management Agreement ("IMA") between the Company and the prospective client. No service shall commence absent such agreement, duly executed by both parties.

3.3 No client-advisor relationship, fiduciary duty, or advisory obligation is established by use of this Website alone. Browsing this Website, submitting a contact form, or engaging in a Discovery Call does not constitute the formation of an advisory relationship.

3.4 The Company's services are designed for owner-operated and family-run businesses, individuals with substantial investable assets, and professional corporations. The Company reserves the right to decline prospective engagements that do not align with its mandate or minimum portfolio thresholds.

4. No Investment Advice

4.1 Content on this Website is provided for informational and educational purposes only. It does not constitute, and shall not be construed as, personalized investment advice, a solicitation to buy or sell any security, or an offer to provide investment management services.

4.2 Nothing herein constitutes a recommendation to purchase, hold, or dispose of any specific equity, fixed-income instrument, OTC derivative, swap agreement, or structured product. References to specific securities, issuers, or asset classes are illustrative and do not represent current or prospective portfolio positions.

4.3 Past performance data, case study results, fee comparisons, and projected savings presented on this Website are historical in nature and do not guarantee future results. Investment returns are subject to market conditions, economic variables, T+1 settlement cycle risks, and issuer-specific events.

4.4 The fee comparisons presented (including mutual fund MER analyses) are based on specific client scenarios and publicly available fee data. Your actual costs may differ based on portfolio size, composition, and account structure.

4.5 You are strongly advised to consult a qualified professional — including your accountant, tax advisor, and legal counsel — regarding your specific financial circumstances before making investment decisions.

5. Intellectual Property

5.1 All Content published on this Website, including but not limited to the proprietary "Operator Alignment Score" framework, the "Fee Autopsy" diagnostic methodology and naming, the "Builder's Blueprint" client education program, and the "Next-Generation Financial Stewardship Program," is the exclusive intellectual property of Savard Qtrade Inc.

5.2 The Savard Qtrade wordmark, trade name, and associated visual identity are proprietary assets of the Company. Unauthorized use is prohibited.

5.3 Reproduction, distribution, modification, public display, or creation of derivative works from any Content on this Website without the prior written consent of Savard Qtrade Inc. is strictly prohibited and may constitute a violation of applicable intellectual property laws.

5.4 Limited reproduction of Content for personal, non-commercial educational purposes is permitted, provided that the source is attributed to "Savard Qtrade Inc., savardqtrade.com" and no modification is made to the reproduced material.

6. User Obligations

6.1 You agree not to use this Website for any unlawful purpose, including but not limited to activities that violate the Ontario Securities Act, the Securities Act (Canada), Sarbanes-Oxley compliance requirements, or any applicable regulations governing the securities industry.

6.2 You agree not to attempt unauthorized access to restricted areas of this Website, including the client portfolio dashboard, administrative systems, or any data storage infrastructure.

6.3 Information submitted through contact forms, email, telephone, or any other communication channel must be accurate and complete. Submission of false or misleading information may result in the termination of any prospective or existing advisory relationship.

6.4 You agree not to engage in any activity that could disrupt, damage, or impair the functionality of the Website, including the introduction of malicious code, automated scraping, or denial-of-service attacks.

6.5 You agree not to use information obtained from this Website to compete with, replicate, or reverse-engineer the Company's proprietary methodologies.

7. Limitation of Liability

7.1 The Company shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your reliance on any Content published on this Website, including investment decisions made on the basis of case study results, fee comparisons, or educational materials.

7.2 Investing involves risk, including the possible loss of principal. The value of investments may fluctuate due to market conditions, interest rate changes, credit events, currency movements, geopolitical developments, and other factors. You may receive back less than your original investment amount.

7.3 The Company makes no warranties, representations, or guarantees — express or implied — regarding the accuracy, completeness, timeliness, or reliability of Content published on this Website. All Content is provided on an "as is" and "as available" basis.

7.4 The Company shall not be liable for any loss or damage arising from disruptions to Website availability, including but not limited to server failures, cybersecurity incidents, or scheduled maintenance.

7.5 In no event shall the Company's aggregate liability exceed the amount of advisory fees paid by the User to the Company during the twelve (12) months preceding the event giving rise to the claim, or one thousand Canadian dollars ($1,000 CAD), whichever is lesser.

8. Indemnification

8.1 You agree to indemnify, defend, and hold harmless Savard Qtrade Inc. and its officers, directors, employees, agents, and affiliates — including Marc-Antoine Savard, Priya Chandrasekaran, Daniel Fournier, Aisha Mahmood, James Whitfield, and Nathalie Groulx — from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of or access to the Website;
• Your violation of these Terms of Service;
• Your violation of any applicable law, regulation, or third-party right;
• Any information you submit through the Website that is inaccurate, misleading, or incomplete.

9. Governing Law

9.1 These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

9.2 Any dispute arising from or relating to these Terms, the Website, or the Services described herein shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, located in the Regional Municipality of Peel or the City of Toronto.

9.3 In the event of a dispute related to securities regulation, the applicable regulatory framework of the Ontario Securities Commission (OSC) and the Canadian Investment Regulatory Organization (CIRO) shall take precedence.

10. Amendments

10.1 The Company reserves the right to amend, modify, or replace these Terms of Service at any time, at its sole discretion. Material amendments will be indicated by an updated "Last updated" date at the top of this page.

10.2 Continued use of the Website following the posting of amendments constitutes your acceptance of the revised Terms. You are responsible for reviewing these Terms periodically.

10.3 If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

11. Contact Information